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    Charles Winnick

    Research Analyst at Fulcrum

    Charles Winnick is Vice President of Fulcrum Group at RF Lafferty & Co., bringing over 40 years of financial services experience. He specializes in capital markets and advisory services, having previously held Vice President roles at Matrix Capital Markets Group and Gilford Securities. Since joining Fulcrum Group in 2012, Winnick has applied his extensive industry knowledge to serve a diverse client base, underpinned by a solid academic foundation from the Questrom School of Business at Boston University. His professional background demonstrates a longstanding commitment to investment advisory, though specific performance metrics and professional licenses are not publicly disclosed.

    Charles Winnick's questions to BankFinancial (BFIN) leadership

    Charles Winnick's questions to BankFinancial (BFIN) leadership • Q4 2023

    Question

    Argued that a sale of the bank would be the most beneficial path for shareholders, as the bank's efficiency ratio is too high and its returns are below the cost of capital. He asked for a credible plan to generate value superior to a potential sale.

    Answer

    The executive largely deflected the question, suggesting an offline conversation. He then defended the company's strategy, highlighting the dividend yield, improving credit quality, and a path toward achieving a $1/share run rate, a high-80s/low-90s ROA, and a double-digit ROE on a normalized capital base. He emphasized focusing on the future rather than the past.

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